Overview: CLR Path Decision Advisor

CLR Path decision modeling allows you to score a member based on what you already know about them, without pulling a credit report.  Let’s learn more about this feature “in a nutshell.”

Additional Resources

• CLR Path booklet

• Frequently Asked Questions on CLR Path

What is CLR Path?

The CLR Path feature allows you to “score” a member based on what you already know about them, without pulling a credit report.  Let’s learn more about this feature “in a nutshell.”

CLR Path Advisor - Advice Based on What You Already Know About the Member

CLR Path (Character Lending on Reputation) is a non-FICO approach to lending that uses your unique relationship with your members to help you advise you on underwriting. Pronounced “clear path,” this feature evaluates the strength of your relationship with the member based on what is already in CU*BASE and gives a loan approval recommendation without needing to pull (or pay for) a credit score!  

• Due to the cooperative model at CU*Answers, all CU*BASE credit unions can use CLR Path tools for FREE!

Interested in learning more? Check out the CU*Answers Store page devoted to CLR Path:  https://store.cuanswers.com/product/clr-path/

Configuring CLR Path Program Templates

Configurable, customizable, and FREE, CLR Path evaluates data you already own – most of which the credit bureaus don’t even know – such as how long the membership has been open, member age, account balances, loan history, and ACH/payroll deposits.  You give points for each criterium, and can even give negative points for attributes such as delinquency.  You can configure as many CLR Path templates as you wish.

Refer to the CLR Path Decision Modeling booklet for what tables (files) and columns (fields) CLR Path uses.

Running a Test Run Against Your Entire Membership

You can also run a test run of any CLR Path model against your entire membership to analyze the effectiveness of the program. This will also allow you to export the members that would pass. Learn more here.

Running a CLR Path Program Against a Table (File) of Targeted Members

You can also run a table (file) of targeted members through a CLR Path decision advisor scoring process. Export the members with a passing score to a separate table (file) for marketing efforts. Learn more here.

• This feature is especially handy when creating a table (file) for 1Click Offers.

Attaching a CLR Path Program Template to a Loan Product

Once the CLR Path program template is configured, you can then attach it to a loan product on the General Information screen.  During the loan application process, if the loan is attached to this loan product, the CLR Path model is run against the member.  

Running CLR Path Advisor During Lending

The CLR Path Advisor runs at the time of the loan application and gives a score for the primary member. (Joint Owners and non-members will not be evaluated.)  You can also run the member against a selected program template and view prior scores attached to the membership via Action codes. (In this case, you will need to attach the program to the loan product, as covered above.

Running CLR Path Advisor While Working as a Teller or MSR

Also access CLR Path by clicking See Advice and Get Advice from the Decision Advice section of the Standard Teller, Phone Operator, Inquiry, and Transfers screens.

Frequently Asked Questions About CLR Path Decision Advisor

• When is the CLR Path run?

• How much does it cost to use CLR Path Advisor?

• What are the supported loan types?

• Does CLR Path support automatic approvals?

• Are CLR Path result records purged?  Where are they retained?  Does the system retain the result when a loan is paid off?

• What counts as a passing CLR Path score?

• Are joint owners or non-members evaluated with CLR Path?

• With CLR Path modeling, can we have different sets of criteria? Can we have multiple criteria for a loan product?

• Do specific criteria need to be met for CLR Path to be run on a loan?

• Can a member receive zero points for a criterium in a CLR Path score?

• Can you assign negative points towards the calculation of a CLR Path score? 

• Why am I not seeing results for all configuration criteria in my member’s CLR Path score?

• Are soft pull credit scores considered when evaluating with CLR Path?

• Is the member evaluated for the delinquency of loans that are paid off or closed?

• Can you exclude members with specific membership designations from having CLR Path run on their loans?

• Am I limited to one CLR Path score per day?

• What happens when the member has more than one CLR Path score?

• Can I print the CLR Path score breakdown?

• Can I delete a configured CLR Path template code?

• Is the CLR Path score on the Summary Loan Application screen for the current day?

• Will the CLR Path score appear on the Loan Creation screen?